With the aim of timely accompanying and supporting customers in accessing capital for production and business activities as well as meeting essential personal needs such as home purchase, car purchase and household expenses, the Bank for Investment and Development of Vietnam (BIDV) launches preferential interest rate programs for individual customers in 2026, offering a wide range of flexible loan packages with competitive interest rates and diversified tenors.

Business and Production Loan Packages

For individual customers, household businesses and small traders, BIDV offers short-term and medium- to long-term business loan packages with preferential interest rates as follows:

Short-term loans

• Applicable to loans first disbursed from 05 January 2026 to 30 June 2026.

• Loan purpose: short-term working capital for production and business activities in accordance with BIDV’s product regulations and lending guidelines from time to time, including loans used to prepay existing loans at other credit institutions for the above purposes.

 Medium- and long-term loans

• Applicable to loans first disbursed from 05 January 2026 to 30 June 2026.

• Loan purposes: production and business activities (including accommodation and restaurant services), and loans used to prepay existing loans at other credit institutions for the above purposes.

Consumer Loan Packages for Personal Needs

Preferential interest rates are offered to customers who borrow for the purpose of purchasing, building or renovating residential property:

• 8.0% per annum fixed for the first 6 months

• 8.5% per annum fixed for the first 12 months

• 9.0% per annum fixed for the first 18 months

For customers taking consumer loans secured by real estate or loans for personal car purchase, one of the following preferential programs applies:

• 8.2% per annum fixed for the first 6 months, or

• 8.8% per annum fixed for the first 12 months.

Additional preferential reduction

An additional 0.2% per annum interest rate reduction is offered to customers who meet at least one of the following conditions:

(i) New customers (customers who did not have any outstanding loan or credit card at BIDV as of 31 December 2025); or
(ii) Premium customers (Premier, Elite, Private); or
(iii) 100% of the borrower’s debt repayment income is received directly into a BIDV account; or
(iv) The loan application and successful disbursement are completed via the BIDV Home application.

BIDV’s commitment

With its nationwide network, professional advisory team and modern digital banking platform, BIDV is committed to providing customers with financial solutions that are safe, transparent and convenient, supporting customers in developing their business activities, achieving home ownership and improving their quality of life.

For more information, please contact BIDV Customer Service Hotline 24/7 at 1900 9247 or visit the nearest BIDV branch for assistance.